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SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 FORM 11-K
  þ
    
    ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2005
 OR
 o
    
    TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 For the transition period from  to
 Commission file number 1-12733
 Tower Automotive Products Savings Investment Plan
 Tower Automotive, Inc.




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Tower Automotive Products
Savings Investment Plan
 Financial Report
 December 31, 2005




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Tower Automotive Products Savings Investment Plan
 ContentsReport Letter
    
    
    1Statement of Net Assets Available for Benefits
    
    
    2Statement of Changes in Net Assets Available for Benefits
    
    
    3Notes to Financial Statements
    
    
    4-8Schedule of Assets Held at End of Year
    
    
    9Consent of Independent Registered Public Accounting Firm




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/s/ Plante & Moran, PLLC
 
 1




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Tower Automotive Products Savings Investment Plan
 
 Statement of Net Assets Available for Benefits
 December 312005
    
    
    2004AssetsParticipant-directed investments at fair value:Money market fund
    
    $
    73,117
    
    
    $
    18,059Pooled separate account
    
    
    3,636,025
    
    
    
    4,714,835Mutual funds
    
    
    7,234,083
    
    
    
    8,245,595Tower Automotive, Inc. common stock
    
    
    11,707
    
    
    
    344,980Participant loans
    
    
    7,854
    
    
    
    67,272Total participant-directed investments
    
    
    10,962,786
    
    
    
    13,390,741Receivables:Employer contributions
    
    
    35,209
    
    
    
    64,170Employee contributions
    
    
    2,053
    
    
    
    6,889Total receivables
    
    
    37,262
    
    
    
    71,059Net Assets Available for Benefits
    
    $
    11,000,048
    
    
    $
    13,461,800
 See Notes to Financial Statements.
    
    2




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Tower Automotive Products Savings Investment Plan
 
 Statement of Changes in Net Assets Available for Benefits
 Year Ended December 312005
    
    
    2004Additions to Net Assets Available for BenefitsInvestment income:Interest and dividends
    
    $
    315,030
    
    
    $
    122,183Net appreciation (depreciation) in fair value of
investments in:Mutual funds
    
    
    150,386
    
    
    
    593,941Pooled separate account
    
    
    168,157
    
    
    
    180,513Tower Automotive, Inc.
common stock
    
    
    (402,585
    )
    
    
    (703,103
    )Total investment income
    
    
    230,988
    
    
    
    193,534Contributions:Employer
    
    
    35,209
    
    
    
    64,170Employee
    
    
    222,038
    
    
    
    341,937Total contributions
    
    
    257,247
    
    
    
    406,107Total additions
    
    
    488,235
    
    
    
    599,641Deductions from Net Assets Available for BenefitsBenefits paid directly to participants
    
    
    2,948,685
    
    
    
    1,800,659Administrative expenses
    
    
    1,302
    
    
    
    28,605Total deductions
    
    
    2,949,987
    
    
    
    1,829,264Net Decrease in Net Assets
    
    
    (2,461,752
    )
    
    
    (1,229,623
    )Net Assets Available for BenefitsBeginning of year
    
    
    13,461,800
    
    
    
    14,691,423End of year
    
    $
    11,000,048
    
    
    $
    13,461,800
 See Notes to Financial Statements.
    
    3




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Tower Automotive Products Savings Investment Plan
 Note 1  Description of the Plan
  General
    Contributions
  Plan
Operations
 Participant
Accounts
 4




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Tower Automotive Products Savings Investment Plan
 Vesting
 VestingYears of Service
    
    PercentageLess than 2 years
    
    
    02 years
    
    
    403 years
    
    
    604 years
    
    
    805 years
    
    
    100
 Loans to Participants
 Payment of Benefits
 Forfeited Accounts
 Note 2  Summary of Accounting Policies
 Assets and Liabilities
    5




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Tower Automotive Products Savings Investment Plan
 Benefits
Paid 
 Administrative Expenses
 Use of Estimates
 Risks
and Uncertainties
 New Accounting Pronouncements
 6




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Tower Automotive Products Savings Investment Plan
 Note 3  Investments
  2005
    
    
    2004Pooled
separate account  New York Life Anchor Account
    
    $
    3,636,025
    
    
    $
    4,714,835Mutual funds:PIMCO Total Return Fund
    
    
    553,084
    
    
    
    731,578AIM Small Cap Growth Fund
    
    
    1,348,435
    
    
    
    1,923,892MainStay Income Manager Fund
    
    
    617,805
    
    
    
    564,461MainStay
S&P 500 Index Fund
    
    
    1,052,362
    
    
    
    1,384,646Franklin Balance Sheet Investment Fund
    
    
    615,769
    
    
    
    349,769Goldman Sachs Mid Cap Value Fund
    
    
    856,036
    
    
    
    581,375
 Note 4  Related Party Transactions
   Note 5  Plan Termination
   Note 6  Tax Status
  7




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Tower Automotive Products Savings Investment Plan
 Note 7  Reconciliation with Form 5500
  2005
    
    
    2004Net assets available for benefits per financial
statements
    
    $
    11,000,048
    
    
    $
    13,461,800Less contributions receivable
    
    
    (37,262
    )
    
    
    (71,059
    )Net assets available for benefits per Form 5500
    
    $
    10,962,786
    
    
    $
    13,390,741
  Employee
    
    
    EmployerContributions per financial statements
    
    $
    222,038
    
    
    $
    35,209Less contributions receivable at December 31, 2005
    
    
    (2,053
    )
    
    
    (35,209
    )Plus contributions receivable at December 31, 2004
    
    
    6,889
    
    
    
    64,170Contributions per
Form 5500
    
    $
    226,874
    
    
    $
    64,170
  Employee
    
    
    EmployerContributions per financial statements
    
    $
    341,937
    
    
    $
    64,170Less contributions receivable at December 31, 2004
    
    
    (6,889
    )
    
    
    (64,170
    )Plus contributions receivable at December 31, 2003
    
    
    13,193
    
    
    
    70,293Contributions per
Form 5500
    
    $
    348,241
    
    
    $
    70,293
  Note 8
 Subsequent Events
  8




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Schedule of Assets Held at End of Year
Form 5500, Schedule H, Item 4i
EIN 38-1521832, Plan 015
December 31, 2005
 (a)(b)
    
    (c)
    
    
    
    (e)Identity of Issuer, Borrower,
    
    Description of Investment (Including
Maturity Date,
    
    (d)
    
    CurrentLessor, or Similar Party
    
    Rate of Interest, Par, or Maturity Value)
    
    Cost
    
    ValueNew York Life Trust
    
    Pooled separate account  New York Life AnchorCompany
    
    Account
    
    *
    
    $
    3,636,025Mutual funds:PIMCO Total Return Fund
    
    *
    
    
    553,084AIM Basic Value Fund
    
    *
    
    
    506,654MainStay Income Manager Fund
    
    *
    
    
    617,805Franklin Balance Sheet Investment Fund
    
    *
    
    
    615,769MainStay A MAP Fund
    
    *
    
    
    80,459MainStay S&P 500 Index Fund
    
    *
    
    
    1,052,362AIM Small Cap Growth Fund
    
    *
    
    
    1,348,435Federated Capital Appreciation Fund
    
    *
    
    
    504,066Fidelity Advisor Value Strategies Fund
    
    *
    
    
    121,715Artisan Mid Cap Fund
    
    *
    
    
    506,443Oppenheimer Capital Appreciation Fund
    
    *
    
    
    94,667Goldman Sachs Mid Cap Value Fund
    
    *
    
    
    856,036Artisan International Fund
    
    *
    
    
    376,588Money market fund  MainStay Cash Reserves Fund
    
    *
    
    
    73,117Tower
Automotive, Inc.
    
    Common stock  Tower Automotive, Inc.
    
    *
    
    
    11,707Participants
    
    Participant loans  Bearing interest at rates rangingfrom 5.00 percent to 10.50 percent
    
    
    
    
    7,854Total investments
    
    
    

$
    10,962,786
 
 *
    
    Cost information not required 9




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SIGNATURES
 The Plan
 Tower Automotive Products Savings Investment PlanDATE: June 20, 2006
    
    /s/ Christopher T. Hatto

Christopher T. Hatto, Corporate Controller andChief Accounting Officer of Tower Automotive, Inc.




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Exhibit No.
    
    Description23
    
    Consent of Independent Registered Public Accounting Firm